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Business Banking Team

To grow your company, you need access to the right capital and the right advice. Our team of experienced Business Bankers works closely with business owners on everything from getting a loan to purchase real estate or equipment, to optimizing cash flow, to evaluating the potential of new opportunities. We're local experts who base our success solely on yours.

Meet Our Business Bankers


Brett Engelking

Senior Vice President – Business Banking Manager
301 N. Rochester St., Mukwonago

Brett came to Citizens Bank in 2011. Prior to his career in banking, Brett worked for 20 years in land use, development, public planning, and zoning. His understanding of the many aspects of real estate gives his clients a unique edge when completing real estate transactions. Brett is a graduate of the University of Wisconsin – Madison as well as the Graduate School of Banking at the University of Wisconsin – Madison. He currently serves on the Board of Directors for EasterSeals Southeast Wisconsin.

Gail Sawicki

Vice President – Business Banking Specialist
301 N. Rochester St., Mukwonago

Gail joined Citizens Bank in 2002 and has over 40 years of banking experience. Now the expert on banking services that boost efficiency, she enjoys getting to know how a business operates – as well the people who are operating the business. Gail works in tandem with the Business Bankers to give company owners and managers a complete banking relationship.

Jim Ebben

Vice President – Business Banker
2109 Corporate Dr., Waukesha

Jim became part of Citizens Bank in 2019, adding another 31 years of commercial and business banking and lending experience to the team. He is driven to find small and medium-sized companies the solutions to grow their businesses. A graduate of UW – Milwaukee and the Graduate School of Banking, Ebben is Chair of the Wisconsin Business Development Service Company and a past Chair of the Exchange Club of Milwaukee. He is also active with the Wisconsin Lenders Conference and St Mary’s WCC.

Ryan Lilly

Vice President – Business Banker
301 N. Rochester St., Mukwonago

Ryan joined Citizens Bank in 2015 with nearly 10 years of banking experience. He has developed a customer-first philosophy that guides him to provide the best experience possible for each of his clients, while helping them find and unlock the keys to their growth. Ryan is a graduate of the University of Wisconsin – Whitewater. He is a member of the Rotary Club of Mukwonago and a co-chair of the Mukwonago Area Chamber of Commerce Golf Outing Committee.

Brian Mangold

Vice President – Business Banker
5450 S. Moorland Rd., New Berlin

Citizens Bank welcomed Brian and his 20 years of banking and commercial lending experience to the team in 2020. Brian believes that working hands-on with his clients is the key to forming close relationships, which allows him to tailor-fit solutions for both short-term and long-term success. A graduate of Marquette University, he stays active in the community by volunteering with a number of local organizations.

Steve Radulovich

Vice President – Business Banker
5450 S. Moorland Rd., New Berlin

In 2017, the team grew again when Steve joined Citizens Bank with 14 years of banking experience. Steve likes to connect with his clients on a level that allows him to really understand what their businesses need. While he enjoys helping all kinds of companies, he has recently been focused on those in the commercial and industrial sectors. Steve is a graduate of Ripon College and has been active with Junior Achievement and United Way.

John Rinderle

Vice President – Business Banker
301 N. Rochester St., Mukwonago

John came to Citizens Bank in 2006 and has over 30 years of banking experience. Over the years, he has been told repeatedly by his clients that he utilizes both a "Think Outside The Box" and "How Can We Say Yes" approach to business lending. This approach has led to success for many of John’s clients, both large and small. John is a graduate of the University of Wisconsin – Parkside and a member of CARW (Commercial Association of REALTORS®).

David Rosenwald

Vice President – Business Banker
2109 Corporate Dr., Waukesha

Dave signed on to the Citizens Bank team in 2020, extending a distinguished commercial lending career that spans three decades. Driven to be a trusted advisor for his clients, he leads with personal integrity and a genuine desire to learn the foundation of their businesses. A graduate of Carroll University, Dave is a past president of the Waukesha Sunrise Rotary who has also served on the Board of Directors for La Casa de Esperanza.

Lea Sperle

Vice President – Business Banker
2541A E. Main St., East Troy

Lea has been with Citizens Bank since 1999. During her career, Lea has helped individuals and businesses with all aspects of their finances – giving her knowledge that is an invaluable asset to the clients she serves today. She excels at risk management and business development strategies, which she delivers with top-notch customer service. Lea, a graduate of the University of Wisconsin – Milwaukee, is active in many community events.

Ryan Dahms

Business Banking Portfolio Manager
2109 Corporate Dr., Waukesha

Ryan joined Citizens Bank in 2018 after graduating from the University of Wisconsin – Whitewater with a degree in finance. He always has a “customer comes first” mentality and enjoys working alongside local businesses to help them succeed. With his educational experience, he excels at analyzing businesses and building relationships. Ryan enjoys being part of the community and looks forward to new, local opportunities.